196 SHORE DRIVE, Palm Harbor, FL, 34683 | $1,175,000

Welcome to Shore Drive in Ozona! This is more than just a home, it's a Boaters Lifestyle! From the best vantage point for 4th of July Fireworks, to the best Halloween atmosphere & Trick or Treating, to a stop from Santa Clause during the Annual Christmas Golf Cart Parade ~ This is a Very Special Place to Call Home! As a bonus, You'll have an additional 824 square foot of living space on the ground floor that is not part of public records which brings your total square footage of living space to 3452.

Situated on a premier corner lot on almost a quarter acre, this property features a fully fenced in tropical backyard with a private pool, two covered tiki cabanas perfect for entertaining, outdoor kitchen & fire pit area. The oversized garage & extended driveway are well equipped for large RV & boat parking.

Stepping inside, the home offers a coastal, modern design with beautiful hardwood flooring & an updated kitchen featuring quartz countertops, stainless steel appliances, tile backsplash, handy pullout drawers, a large island with seating & a separate wine & coffee bar. The kitchen opens to the main living space & includes access to a rear balcony overlooking the backyard & pool area. There is an office/4th bedroom also located just down the hall from the kitchen & adjacent to a full bath & laundry room. The family room features a wood burning fireplace, plantation shutters & multiple covered balconies that wrap the home in comfort.

The third floor primary suite includes a private balcony with direct water & causeway views of St. Joseph Sound, with a side of gorgeous sunset skies every evening! The updated primary bath features dual sink vanities, anti-fog LED mirrors, a walk in closet, seamless walk in shower & separate tub. Two additional bedrooms & full bath with a laundry chute are conveniently located on this floor as well. The home offers light filled living spaces, an open layout & 10-ft ceilings throughout.

The entire lower level, square footage not part of public records, provides additional living space with a separate living room, bedroom, full bath & bar area with direct access to the pool, creating a flexible setup for extended living or guests. Additional key features include a whole home water filtration system, closed circuit cameras and two mini split systems (2021) with generator plugs. Pool pump (2024), water heater (2019), roof (2017), and A/C systems (2018 & 2008).

Located in Ozona, this home is just steps from local restaurants, shops & community events & a short golf cart ride to Downtown Palm Harbor. Enjoy close proximity to the Pinellas Trail, local marinas, parks & top-rated schools including Ozona Elementary, Palm Harbor Middle & Palm Harbor University High School. Nearby golf courses include Innisbrook Resort & Golf Club & easy boating access to Caladesi Island, Honeymoon Island & Anclote Key. The family that gets to call this special property HOME, are lucky souls! Start Living your Best Florida Lifestyle Today!

Features

  • Rooms: 10
  • Bedrooms: 4
  • Baths: 4 full
  • Lot Size: 104 x 121
  • Laundry: Inside, Laundry Room
  • Style: Coastal
  • Year Built: 1997
  • Garage: 2-car Boat, Driveway, Golf Cart Parking, Oversized, RV Parking
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,628
  • Acreage: 0.24
  • Lot Size: 104 x 121
  • Est. Taxes: $8,178
  • Lot Desc: Corner Lot, Landscaped, Near Golf Course, Near Marina, Oversized Lot, Sidewalk, Unincorporated
  • View: Water
  • Elem. School: Ozona Elementary-PN
  • Middle School: Palm Harbor Middle-PN
  • High School: Palm Harbor Univ High-PN
  • Pool: In Ground
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Filtration System
  • MLS#: TB8498060
  • Days on Market: 22 days
  • Website: https://www.raveis.com
    /eprop/TB8498060/196shoredrive_palmharbor_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 5/14/2026 12:12:59 PM)
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL   Phone: 727-493-1555

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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196 SHORE DRIVE, Palm Harbor, FL, 34683

$1,175,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $940,000 $940,000 $940,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.312% 6.235% 6.164%
Monthly Tax Payment $682 $682 $682
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,560 $5,712 $7,932
Total Monthly Payment $6,367 $6,519 $8,739

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.